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Compare Best Cheap Car Insurance Quotes in Fort Worth, Texas 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Fort Worth pay an average of $2,490 annually for car insurance. That’s about $207 per month to insure your car.
Fort Worth is the **12th largest city** in the United States and is known for its rodeo-style southern hospitality. This large city pulls in plenty of traffic and has a relatively high crime rate. That’s not great news for drivers who are looking for cheap car insurance.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Texas, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Fort Worth

There’s no single company that offers the best rate to everyone in Fort Worth. If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Fort Worth:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,184$979
State Auto$2,483$529
Compare Prices

Check out insurance company reviews from real Jerry customers:

Great price
Blaine Shapley
Kinda pricey but easy to do business with!
just started coverage a couple days ago i already feel safe
I only had it for a few weeks now but it has gone above and beyond
I find it comforting to not to second guess my policy and the insurance company
Never had a claim but the company was very good with support on payment issues and renewals
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCar
Before Jerry
After Jerry
Zip CodeNameAgeInsurance Company
May 16, 2023Toyota Camry L$210/mo.$108/mo.76123Lois K.52Progressive
April 30, 2023Honda Civic LX$138/mo.$128/mo.76179Christian O.25Progressive
January 13, 2023Dodge Grand Caravan SE$250/mo.$178/mo.76155Minnie W.59Progressive
August 24, 2022Dodge Challenger R/T Scat Pack$180/mo.$102/mo.76133Ernest C.59Progressive
July 8, 2021Chevrolet Impala LTZ$78/mo.$67/mo.76102Franklin A.31Bristol West
Unfortunately, insurance prices are generally non-negotiable—so you can’t ask your insurance company to simply just lower your rates. Luckily, there are several ways you can save on your car insurance premium.
Many insurance companies offer various car insurance discounts. You might qualify if you’ve remained accident-free for a certain period, taken a defensive driving course, or installed eligible anti-theft devices. Some other ways to lower your insurance rates include comparison shopping by finding car insurance quotes online or increasing your policy deductible for lower monthly payments. 
If law enforcement runs your license plate number through their in-car database, they can see your insurance status. It is considered a misdemeanor to drive in Texas without car insurance. If you get pulled over for any traffic violation, you can count on the police asking you for proof of insurance, along with your driver’s license and registration
Penalties for driving without insurance in Texas as a first offense include paying between $175 to $350, plus $250 annually for the next three years. You’ll also be required to purchase SR-22 insurance—a certificate of financial responsibility to verify that your insurance coverage meets the state’s minimum requirements. 
Yes—most police cruisers have in-car computers with access to the state’s database. All they have to do is type in your license plate information and they can immediately verify your car insurance status. 
In Texas, it’s a misdemeanor to drive without insurance. Penalties for a first offense include a fine of $175 to $350, plus an annual $250 payment for the next three years. You’ll also have to carry SR-22 insurance—a certificate of financial responsibility that proves your insurance coverage meets the state’s minimum requirements. 
If a cop in Texas runs your license plate number through their in-car state database and sees that you don’t have car insurance, they can pull you over. Police can also see other important details, including your registration expiration date and unpaid tickets. 
Driving without insurance in Texas is considered a misdemeanor. For a first offense, penalties include a hefty fine of $175 to $350, plus $250 annually for the next three years. Additionally, you’ll have to purchase SR-22 insurance—a certificate of financial responsibility that demonstrates your coverage meets the minimum requirements in Texas.
No, you can’t go to jail in Texas for not having car insurance—but that doesn’t mean you won’t face any serious consequences. Driving without insurance as it’s considered a misdemeanor in the Lone Star State. 
Since it’s illegal to drive without insurance in Texas, you’ll have to carry SR-22 insurance or a certificate of financial responsibility for the next two years that shows your current coverage meets the state’s minimum requirements. Furthermore, you’ll have to pay a fine between $175 to $350 and an annual $250 payment for the next three years. 

How much does car insurance in Fort Worth cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Fort Worth:
How do Fort Worth insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Fort Worth so expensive. The graph below shows how much Texas drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Texas require?
Texas requires $30,000 per person for bodily injury liability, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
No, Texas is an at-fault state that gives you the option of buying no-fault coverage. If you purchase personal injury protection (PIP), and are involved in an accident, you and your passengers will have medical expenses paid for immediately, regardless of who is at fault for the accident or if you have health insurance. 
If you do not opt for this coverage, the at-fault driver’s insurance will pay for you and your passengers' injuries, once their insurance company accepts liability and confirms that there is enough coverage.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Fort Worth

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Fort Worth with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,562$740
Wrong Way/Wrong Lane$8,340$2,832
Failure to Obey Traffic Sign$3,635$970
Speeding under 15$2,922$831
Improper Passing$1,416$571
Speeding over 15$2,541$558
Driving on Sus. License$1,994$318
Illegal Turn$6,000$2

Fort Worth driving violation FAQ's

How much is car insurance in Fort Worth with a DUI?

If you have a DUI on your record, your car insurance premium in Fort Worth could increase by as much as 21%.

How much does your car insurance increase after a speeding ticket in Fort Worth?

If you’re caught speeding through Fort Worth and end up with a ticket, you can expect to see your insurance rate jump by about 14%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

How many fatal accidents happen in Fort Worth each year?

According to local accident statistics, there are roughly 13.3 fatal accidents per 100,000 residents in the city of Fort Worth each year. Insurance won’t protect you against accidents like this, so be sure to drive safely!

How many drivers in Fort Worth have been in an accident?

About 9.66% of drivers in Fort Worth have been in an accident - resulting in an average rate increase of 14%.

Best car insurance in Fort Worth by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Fort Worth for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Fort Worth based on your age? Check out the table below.

Car insurance in Fort Worth for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Fort Worth. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Texas—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Fort Worth neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Fort Worth.
Average Cost
Annual Savings with Jerry
Toyota Corolla L$2,170$766
Ford Fusion SE$2,313$758
Honda Civic LX$2,033$731
Chevrolet Equinox LT$2,103$724
Nissan Altima 2.5$2,255$711

Fort Worth car FAQ's

More people in Fort Worth drive a Nissan Altima 2.5 than any other car! On average, these drivers pay $1,857 for their auto insurance.

What is the most expensive car to insure in Fort Worth?

At an average of $5,036 per year, a Ford Focus Titanium is the most expensive car to insure in Fort Worth. If you drive one, we’re sorry.

Car Insurance Cost based on where you live in Fort Worth:

Now, we’ve been talking about “drivers in Fort Worth” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Fort Worth, drivers in the 76117, 76115, 76136, 76123 and 76155 zip codes typically have the highest car insurance premiums, while the cheapest rates are found in the 76180, 76182, 76102, 76135 and 76107 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
July 8, 2021Chevrolet Impala LTZ$78/mo.$67/mo.76102TXFranklin A.31Bristol West
August 24, 2022Dodge Challenger R/T Scat Pack$180/mo.$102/mo.76133TXErnest C.59Progressive
May 16, 2023Toyota Camry L$210/mo.$108/mo.76123TXLois K.52Progressive
April 30, 2023Honda Civic LX$138/mo.$128/mo.76179TXChristian O.25Progressive
January 13, 2023Dodge Grand Caravan SE$250/mo.$178/mo.76155TXMinnie W.59Progressive

Driving in Fort Worth

Finding a good car insurance policy in Fort Worth is just the beginning. If you’re new to the area, here’s everything you should know about driving in Fort Worth.
First off: weather. Fort Worth gets approximately 76 days of rain each year, for an annual total of 33" inches. And in the winter, you can expect 1" inch of snow. Jerry’s research has shown that heavy rain is responsible for more fatal car accidents than snow, so be sure to drive carefully in inclement weather (and invest in a good collision coverage policy!).

Fort Worth driving FAQs

What are the average gas prices in Fort Worth?

The price of gas in Fort Worth varies over time, but it’s typically about 5.8% lower than the national average. For tips to help save money on gas, check out our guide!
What is the rate of catalytic converter theft in Fort Worth
On average, 3.82 catalytic converters are stolen annually in Fort Worth per 1,000 cars.

What is the average commute time in Fort Worth?

The average one-way commute in Fort Worth takes 27.0 minutes. That's longer than the US average of 26.4 minutes.

How can you save money on car insurance in Fort Worth?

Let’s face it: living in Fort Worth means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Fort Worth.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Fort Worth drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Texas—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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